Douglas Wilkerson

Can You Get an FHA Loan With No Credit Score? Manual Underwriting, Explained

Douglas Wilkerson

Published on: 19/10/2026

Can you get an FHA loan with no credit score? Yes — FHA's actual rule (HUD Handbook 4000.1) requires no minimum score, and manual underwriting is the human-driven path for buyers the automated systems reject. Here's the mechanism, the DTI math, and the Jacksonville numbers.

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Refinancing to Drop PMI: The 20% Equity Trigger, the Appraisal Gamble, and When the Math Actually Works

Douglas Wilkerson

Published on: 19/10/2026

Paying PMI every month? You may already have 20% equity and not know it. Fannie Mae's actual cancellation rules, the FHA life-of-loan MIP trap, the appraisal gamble, and Jacksonville math — plus when refinancing to drop PMI backfires at 7.4% rates.

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Can You Buy a Manufactured Home With a VA Loan? The Real Rules, the Foundation Trap, and the Math

Douglas Wilkerson

Published on: 18/10/2026

Can you buy a manufactured home with a VA loan? Yes — if it's HUD-code, on a permanent foundation, and classified as real property. The foundation trap, Florida RP rules, and the $150K vs $300K math.

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VA Energy Efficient Mortgage Explained: How Veterans Can Roll Up to $6,000 of Home Upgrades Into Their VA Loan

Douglas Wilkerson

Published on: 18/10/2026

A VA Energy Efficient Mortgage lets eligible veterans roll up to $6,000 of energy upgrades — insulation, HVAC, windows, solar — into their VA purchase or refinance loan. The three tiers, eligible improvements, and timelines, explained.

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